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Good afternoon, A client made excess Roth contributions due to AGI for the 2017, 18, 19, 20, 21 tax years...

Individual has 401k at current employer that includes pre-tax contribution and after-tax contributions.  He is 60 and considering an in-service...

Don’t forget to turn your clocks back this weekend! With that reminder comes another: pay attention to the Roth IRA distribution clocks. The key point to remember is that there are two different clocks, each used for a different purpose.

I am 71 and currently receive SSA benefits.  In 2 years I will start IRA RMDs.  In 3 years my...

401(k) participant, 57, died in 2023 2 sons were age 17 & 20 – both were minors at the time...

I want to confirm the methodology used to calculate RMD for the second and subsequent years after the owner’s death. ...

I’m 62 and plan to retire at the end of the year with a traditional IRA balance of $0.  I’m...

This article is NOT about the “ghost rule” applicable to non-living beneficiaries. That payout rule applies when a non-person beneficiary (like an estate) inherits an IRA when the original owner died on or after his required beginning date (RBD).

Example: James, age 62, retires in 2024 He has a large portion of his 401k in NUA-eligible company stock. (Basis...

The Top 23 Questions That Financial Advisors Asked Us

• Roth conversions, Roth 5-year clocks, inherited Roth IRAs and the taxes due on Roth accounts.